MSUFCU's Platinum Plus Visa Card is the perfect choice if you do not normally carry a credit card balance. Reward yourself with MSUFCU’s Platinum Plus Visa Credit Card. Enjoy rates as low as 12.9% APR and receive 1% cash back on all of your purchases!1

Credit limits from $2,500 to $50,000

25-day grace period on purchases paid in full

No annual or balance transfer fees

$1,000,000 Travel Accident Insurance when you use your Visa Credit Card to make travel arrangements

Remote access through ComputerLine, the MSUFCU Mobile app, and MoneyLine

Overdraft protection for your checking account

Worldwide access to funds at participating institutions

Earn Cash Back with Platinum Plus VisaEvery time you use your Platinum Plus Visa at the grocery store, restaurants, or anywhere else Visa is accepted, you earn a full 1% cash back. Your cash back never expires and you may redeem your cash back at any time — for any amount.

Redeem your cash back at any time via ComputerLine, the MSUFCU Mobile App, at a branch, or by calling 517-333-2424 or 800-678-4968.

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

12.9% to 17.9%based on your credit worthiness

APRs for Balance Transfers

0% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (12.9% to 17.9%), based on your creditworthiness.

How Long Will the Penalty Rate Apply? The Penalty Annual Percentage Rate will apply indefinitely.

How to Avoid Paying Interest on Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

Fees

Transaction Fees

International transaction and cash advance fees

1%for ATM transactions3%for all other transactions calculated after the transaction has been converted to U.S. dollars

Penalty Fees

Late Payment

$25if the minimum payment due is $25 or more;

$15if the minimum payment due is $15 to $24.99; or

$0if the minimum payment due is less than $15.

Other Fees

Returned Convenience Check

$25

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

1 Members will earn 1% cash back on all purchases. Cash back is not earned on tax payments, any unauthorized charges or transactions, cash advances, convenience checks, balance transfers, or fees of any kind. Account must be in good standing to redeem cash back. Returns result in the loss of cash back equal to the amount returned. Negative cash back will be given if returns or credits exceed purchases.

A Platinum Visa Credit Card with a low $500 limit is available for Cha-ching members ages 15–17. A qualified parent joint party is required.

Receive a FREEPractical Money Skills for Life CD-ROM when you are approved for a Platinum Visa for Teens Credit Card. This CD-ROM contains great budgeting information and helps you analyze the cost of credit. Other Platinum Visa for Teens card benefits include:

Establish positive credit history and form good financial habits with the financial institution you trust

Low rates and straightforward terms

No annual or balance transfer fees

25-day grace period on purchases paid in full

Support from MSUFCU's knowledgeable and helpful staff

24/7 remote access through ComputerLine, MoneyLine, and Green on the Go® mobile banking

Interest Rates and Interest Charges

Annual Percentage Rate (APR) for Purchases

8.9% - 16.9% based on your creditworthiness

APRs for Balance Transfers

0% introductory APR for six (6) months from date of account opening. Rate then reverts to standard rate (8.9% to 16.9%),
based on your creditworthiness.

APRs for Cash Advances

8.9% - 16.9% based on your creditworthiness

Penalty APR and When It Applies

17.9% The Penalty APR is applied if your account becomes delinquent 60 days. How Long Will the Penalty Rate Apply? The Penalty Annual Percentage Rate will apply indefinitely.

How to Avoid Paying Intereston Purchases

Your due date is at least 25 days after the close of each billing cycle. We will not charge you any interest on purchases if you pay your entire balance by the due date each month.

For Credit Card Tips from the Consumer Financial Protection Bureau

To learn more about factors to consider when applying for or using a credit card, visit the website of the Consumer Financial Protection Bureau at www.consumerfinance.gov/learnmore.

Fees

Transaction Fees

International transaction and cash advance fees

1%for ATM transactions3%for all other transactions calculated after the transaction has been converted to U.S. dollars

Penalty Fees

Late Payment

$25if the minimum payment due is $25 or more;

$15if the minimum payment due is $15 to $24.99; or

$0if the minimum payment due is less than $15.

Other Fees

Returned Convenience Check

$25

How We Will Calculate Your Balance: We use a method called "average daily balance (including new purchases)."

Loss of Introductory APR: We may end your introductory APR and apply the Penalty APR if your account becomes delinquent 60 days.

MSUFCU is proud to support a number of universities and organizations throughout Michigan. Learn more about how you can show your support for Michigan State University, Michigan United Conservation Clubs, or Michigan Veterinary Medical Association while using a low-rate MSUFCU Visa Credit Card:

MSUFCU's Credit Rebuild Visa is designed for members who need assistance rebuilding their credit. This credit card is unique in that it allows you to build a positive credit history from the start by paying down the credit card's balance.

After three years of making on-time payments to your Credit Rebuild Visa, you can graduate to MSUFCU's Platinum Visa Credit Card!

An MSUFCU loan officer will be happy to discuss if the Credit Rebuild Visa is right for you and how this card can help you get your credit back on track. Contact us with any questions you may have about MSUFCU's Credit Rebuild Visa.

Credit Rebuild Visa Features

Credit limits from $1,000 to $2,5001

17.9% APR

No annual fees

24/7 account access with ComputerLine and Green on the Go® mobile banking

Build a positive credit history

Improve your credit score

Credit Rebuild Visa Requirements

Verified income

Suitable net disposable income

Restricted savings account with an amount equal to the member's credit limit

Card will be issued for three years

Must make on-time payments each month

Failure to pay 30 days past the Credit Rebuild Visa's due date will result in automatic cancellation of the card

Online:Login to ComputerLine, select Manage from the top menu, and click Apply for a Visa under the Create or Modify Accounts section.Don't have an MSUFCU account yet? Open your account and apply for a Visa with one application:Join MSUFCU online!

Your card information will remain the same; only the image on the card will change. Your name and card number will be printed on your new MyDesignSM Card, instead of embossed like traditional cards, giving it a new sleek look!

Enjoy the personal, simple, and secure way to do your online shopping with Visa Checkout. With this service you have the ability to check out on any website where Visa Checkout is accepted without having to re-enter payment and billing information. Simply click on the Visa Checkout icon, enter your email address and password, choose the card and billing address you would like to use, and you're done.

Visa Checkout also provides the security and protections that are offered by Visa. Storing your personal information with Visa Checkout means that you will not have to supply that information to multiple websites, therefore less people will have access to your personal information keeping it private and safe.

Frequently Asked Questions

Is Visa Checkout a free service?
Yes, Visa Checkout is a free service for MSUFCU members.

Can I register credit and debit cards from carriers other than Visa?
Yes, you can input information for any debit or credit card that you carry.

How will I know what vendors accept Visa Checkout?
You are able to check the list of accepting vendors online. You can also look for the Visa Checkout logo on your favorite websites.

Is there a maximum number of cards I can register?
There is no limit on how many cards you can store with Visa Checkout.

What happens when a card expires? Does it automatically update, or is a notification sent out?
No, cards will need to be manually updated if they expire or if there is a change due to a card being lost or stolen.

Why is the card style in Visa Checkout different from my physical card?
MSUFCU selected the most commonly used card styles to upload into Visa Checkout. Even though the card style on your card displayed in Visa Checkout might not match the card style on your physical card, they are still the same card.

Who can I contact if I have questions?Contact us, we are always here to help!